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Medicare
Pennsylvania
Crawford
Cambridge Springs
16440

Medicare in ZIP Code 

16440

 — 

Cambridge Springs

County: 
Crawford
Last Updated:  
Suburban
Young man showing a photo frame to an elderly woman turning 65, holding a small dog on a couch.

741

Population

41.764

Latitude

-80.0982

Longitude

Key Points

  • ZIP code 16440 has 741 residents who count on Medicare and health insurance to manage their health and medical costs.
  • About 26.5% of this community is age 65 or older, which means Medicare planning matters greatly for many residents here.
  • The median household income here is $71,250 per year, which directly affects what you pay out of pocket for healthcare.
  • Medicare offers four main choices: Original Medicare, Medicare Advantage, Medigap supplemental coverage, and Part D prescriptions.
  • Pennsylvania's SHIP program offers completely free, confidential, and impartial counseling to help you pick the right plan for you.
Smiling middle-aged woman in a nursing home paid for by medicare, giving a small wrapped gift to a seated elderly man in a cozy living room.Group of happy older adults missed their medicare enrollment, taking a cheerful selfie together in a cozy living room.Elderly man smiling during medicare AEP and handing a gift and flowers to an elderly woman who is looking up at him warmly.

Demographic Data

ZIP code 16440 is located in Crawford County, Pennsylvania, centered near Cambridge Springs, with a total population of 741 and a median age of 48.6. This is a suburban community with a notably high senior population — 26.5% of residents are 65 or older (approximately 196 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 88.4% White, 1.5% Black/African American. About 30.3% of adults hold a bachelor's degree or higher.

Economic Metrics

The median household income is $71,250, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is 8.0%. The unemployment rate is 6.1%. The median home value is $159,200 and median monthly rent is $593. Medicare beneficiaries in Crawford County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Pennsylvania SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.

Interactive Tools / Medicare Calculators

Decision area Tool What it answers
Enrollment Initial Enrollment Period Calculator When your 7-month Medicare eligibility window begins and ends based on your 65th birthday
Enrollment When Should I Sign Up for Medicare? The best time to enroll based on your work status, other coverage, and age
Enrollment Special Enrollment Period Checker Whether a life event qualifies you for enrollment outside the standard windows
Enrollment Late Enrollment Penalty Checker How much extra you'll pay monthly if you missed your enrollment window
Enrollment Part B Penalty Calculator The exact 10%-per-year premium increase for delayed Part B enrollment
Enrollment Part D Penalty Calculator The 1%-per-month premium increase for gaps in creditable drug coverage
Costs Cost Scenario Planner Estimated annual spending across plan types at different health utilization levels
Costs Advantage vs. Medigap Cost Comparison True cost difference between Medicare Advantage and Original Medicare with Medigap
Costs IRMAA Calculator Whether your income triggers higher Part B and Part D premiums
Costs Part A Premium Estimator Your monthly Part A premium based on work history and quarters of coverage
Costs M3P Calculator How the Medicare Prescription Payment Plan smooths your drug costs into monthly payments
Coverage Doctor & Drug Assessment Whether your providers and prescriptions are covered by a specific plan
Coverage Part D Shopping Tool Which Part D plan has the lowest total annual cost for your specific medications
Coverage Travel & Network Risk Assessment How your coverage works outside your home area and which plan types travel best
Employer/COBRA COBRA vs. Medicare Why COBRA can trigger permanent Medicare penalties and how costs compare
Employer/COBRA Employer Coverage vs. Medicare Whether your employer plan or Medicare is primary and when to transition
Employer/COBRA HSA & Medicare Compatibility How Medicare enrollment affects HSA eligibility and what to do before enrolling
Planning Caregiver Readiness Checklist Whether you have everything in place to help a loved one with Medicare decisions
Planning Document Gatherer Which documents you need to have ready before enrolling or changing plans
Planning Medigap Fit Assessment Whether Medigap or Medicare Advantage is the better fit for how you use healthcare
Planning Medigap Open Enrollment Window Whether you're inside your one-time guaranteed issue window for Medigap
Planning Medicare Savings Program Eligibility Whether your income qualifies you for help paying Medicare premiums and cost-sharing
Smiling elderly woman read how to enroll in medicare hugging an elderly man from behind as he holds a remote and papers while sitting on a couch.

Cities Near 

16440

Meadville

Crawford
County

Frequently Asked Medicare Questions

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Do veterans need Medicare, and how do VA benefits work with Medicare?

What are the pros and cons of Medicare Advantage?

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How many work credits do I need for premium-free Part A?

Medicare Advantage Plans 

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Key Takeaways

ZIP code 16440 has about 26.5% of residents who are 65 or older. Medicare includes four main options to consider. Original Medicare provides hospital and doctor coverage. Medicare Advantage (Part C) often includes extra benefits like dental or gym memberships. Medigap supplemental plans help pay costs Original Medicare leaves behind. Part D covers prescription drugs.

With a median income of $71,250, review what you can afford and what assistance you might get. Some residents may qualify for Extra Help with prescriptions or Medicare Savings Programs for premiums and costs. Open Enrollment is October 15 through December 7. Call Pennsylvania SHIP anytime for free, personalized counseling.

‍CMS TPMO Compliance Disclaimer: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

Not Government Affiliated: Resting Sycamore Advisors is a licensed Medicare insurance agency. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

‍Data & Methodology for Research Articles: All provider, facility, quality star ratings, and enrollment data is sourced from primary CMS records (cms.gov), including the December 2025 CPSC Enrollment files and the January 2026 Provider Data Catalog. Calculations for patient-to-provider ratios are performed using indexed clinician and facility data. Everything on restingsycamore.com is for educational purposes and does not constitute an endorsement of any specific plan or provider.

Non-CMS Data Sources: Some  specific data was obtained from https://opendata.gov